Andrew Ravenscroft – 1979-04-10

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Client Details

Client's Email Address: andrew.ravenscroft@hcacademytrust.education
Client's Telephone Number: 07734034299
Where did the client hear about us?: Your place of work
Where did you hear about us, other?: HCAT
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Personal (step 1)

What are your questions or concerns about your financial future?
Do you have any dreams for the future which you might need to plan for?:
I don't fully understand my LG pension benefits. I would like to understand pensions in more detail. I would like to save enough money for my dependent so I can easily fund or contribute to one of the major costs she will come across as she gets older, e.g university fees, deposit on first house etc. I want to plan for my retirement, I am only 41 but want to start thinking about a date when I can retire.
What is your first name?: Andrew
What is your surname?: Ravenscroft
What is your date of birth?: 10/04/1979
Do you have a partner?: yes
What is your partner's first name?: Rebecca
What is your partner's surname?: Ravenscroft
What is your partner's date of birth?: 08/11/1980
Do you have any financial dependants?: yes
Type Name DOB
child Ruby 06/02/2017

Assets & Liabilities (step 2)

Do you have any savings or investments?: yes
How much do you have in cash based accounts?: 3,000
Are you saving into your cash based accounts regularly?: yes
How much are you saving into your cash based accounts per month?: £100-£200
How much do you have in investment based accounts?: 0
Are you saving into your investment based accounts regularly?: no
Do you have a partner?: yes
Does your partner have any savings or investments?: no
At what age would you like to retire?: 60
Do you have any pensions savings other than your current employer scheme?: no
At what age would your partner like to retire?: 60
Does your partner have any pensions savings other than their current employer scheme?: no
Do you own your own home?: yes
What is the value of your home?: 230,000
Do you have a mortgage on this property?: yes
What type of mortgage do you have?: capital_repayment
What is the outstanding amount?: 188,686
How long is left on the mortgage?: 28
What are your monthly repayments?: 723.04
What is the interest rate?: 1.79
Do you have any other mortgages?: no
Do you have any loans, including credit cards or car finance?: yes
Amount Time Remaining Monthly Repayment Interest Rate Type
18,000 4 272.97 5
800 1 50.00 0
Do you have any protection policies other than the provision provided by your employer (if applicable)?: no

Income (step 3)

Which of the following do you have?: employment
What is your annual salary?: 56,900
How many months would you continue to be paid by your employer in the event of accident or sickness?: 6
Would this be full or reduced pay?: full
What Death in Service benefits do you have as a multiple of salary?: 0x
Are you a member of your company pension scheme?: yes
Which type of company pension do you have?: db
Expected retirement benefit - lump sum: 1
Expected retirement benefit - annual income: 1
Do you have a partner?: yes
Which of the following does your partner have?: employment
What is your partner's annual salary?: 1
Is your partner a member of a company pension scheme?: no
Do you have any other sources of income?: no

Expenditure (step 4)

Do you have a partner?: yes

Fact Find Steps

Current Step: 3
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